| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARVER INSURANCE, INC.3 Filed as: CARVER INSURANCE INC. | 3202 W. MAIN ST. STE B RAPID CITY, SD 57702 | DELTA DENTAL OF SOUTH DAKOTA | $4K | $0 | $4K | 1.27% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $6K | $135 | $7K | 5.43% |
| PATSY ROBERTSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $327 | $2K | 2.04% |
| JANET H BOHNE3 Filed as: JANET BOHNE | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $2K | $10 | $2K | 1.37% |
| AMBER MARIE LIND3 Filed as: AMBER LIND | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $104 | $2K | 1.35% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $1K | $0 | $1K | 1.17% |
| WENDY L SWARTZ3 Filed as: WENDY SWARTZ | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $1K | $27 | $1K | 0.96% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $1K | $0 | $1K | 0.82% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $612 | $0 | $612 | 0.50% |
| JACLYN ROSE MANN3 Filed as: JACLYN MANN | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $442 | $0 | $442 | 0.36% |
| BROOKE A GEDDES3 Filed as: BROOKE GEDDES | 1808 IRON HORSE LOOP SPEARFISH, SD 57783 | AFLAC | $391 | $0 | $391 | 0.32% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2091 LAKEVIEW SOUTH DR INGLESIDE, TX 78362 | AFLAC | $390 | $0 | $390 | 0.32% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $331 | $0 | $331 | 0.27% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $313 | $0 | $313 | 0.26% |
| KEVIN B VINING3 Filed as: KEVIN VINING | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $310 | $0 | $310 | 0.25% |
| TRYNITY ROBERTSON3 | 1501 E CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $281 | $23 | $304 | 0.25% |
| AMANDA JEAN WEBSTER3 Filed as: AMANDA WEBSTER | PO BOX 365 MOBRIDGE, SD 57601 | AFLAC | $300 | $2 | $302 | 0.25% |
| PATTI L MOLSTAD3 Filed as: PATTI MOLSTAD | 433 MINNESOTA ST RAPID CITY, SD 57701 | AFLAC | $217 | $69 | $286 | 0.23% |
| DENISE M ERICKSON3 Filed as: DENISE ERICKSON | 2736 LAS VENTANAS TRL FT WORTH, TX 76131 | AFLAC | $281 | $0 | $281 | 0.23% |
| DEBORAH HALVORSON3 | 969 IROQUOIS DR DAVENPORT, IA 52804 | AFLAC | $264 | $0 | $264 | 0.22% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $232 | $0 | $232 | 0.19% |
| BETTY L RUSSOW3 Filed as: BETTY RUSSOW | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $188 | $0 | $188 | 0.15% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $119 | $0 | $119 | 0.10% |
| JO HEATH3 | 23525 298TH ST CODY, NE 69211 | AFLAC | $98 | $0 | $98 | 0.08% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $70 | $14 | $84 | 0.07% |
| RUSSELL C MOLSTAD JR3 Filed as: RUSSELL MOLSTAD JR | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $77 | $0 | $77 | 0.06% |
| RHONDA WENBERG3 | 5 HICKORY CREEK CV LITTLE ROCK, AR 72212 | AFLAC | $75 | $0 | $75 | 0.06% |
| ROBERT W KELLY3 | 2485 BROADMOOR CT RAPID CITY, SD 57702 | AFLAC | $64 | $0 | $64 | 0.05% |
| WILLIAM A OPSAHL3 Filed as: WILLIAM OPSAHL | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $63 | $0 | $63 | 0.05% |
| LEO JENNINGS3 | 500 LOCHER RD TOUCHET, WA 99360 | AFLAC | $61 | $0 | $61 | 0.05% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $54 | $0 | $54 | 0.04% |
| CHARLES M WHEELER3 Filed as: CHARLES WHEELER | 14950 W HILLS VIEW DR PIEDMONT, SD 57769 | AFLAC | $48 | $0 | $48 | 0.04% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $48 | $0 | $48 | 0.04% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $48 | $0 | $48 | 0.04% |
| JODY L WALK3 Filed as: JODY WALK | 30207 CHEVAL ST MOUNT DORA, FL 32757 | AFLAC | $41 | $0 | $41 | 0.03% |
| SUSAN L SOEHREN3 Filed as: SUSAN SOEHREN | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $40 | $0 | $40 | 0.03% |
| PEGGY L CAZIER3 Filed as: PEGGY CAZIER | P O BOX 1574 WALLA WALLA, WA 99362 | AFLAC | $33 | $0 | $33 | 0.03% |
| STEPHEN C JONES3 Filed as: STEPHEN JONES | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $31 | $0 | $31 | 0.03% |
| DESIREE J MENDEL3 Filed as: DESIREE MENDEL | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $31 | $0 | $31 | 0.03% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | 713 SAGE AVE RAPID CITY, SD 57701 | AFLAC | $27 | $0 | $27 | 0.02% |
| DANIEL D LINDBERG3 | P O BOX 635 STANLEY, ND 58784 | AFLAC | $18 | $0 | $18 | 0.01% |
| SHERRIE JANE NELSON3 Filed as: SHERRIE NELSON | 3002 S VANCOUVER ST KENNEWICK, WA 99337 | AFLAC | $17 | $0 | $17 | 0.01% |
| NICHOLE L EGEBERG BERNSDORF3 Filed as: NICHOLE EGEBERG BERNSDORF | PO BOX 297 900 JOHNSON ST BURLINGTON, ND 58722 | AFLAC | $15 | $0 | $15 | 0.01% |
| KENNETH J LENOUE3 Filed as: KENNETH LENOUE | 1001 21ST AVE S FARGO, ND 58103 | AFLAC | $15 | $0 | $15 | 0.01% |
| AWS INC3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $14 | $0 | $14 | 0.01% |
| GARY CASE3 Filed as: GARY D CASE | 26201 BERGSAGEL ROAD NE POULSBO, WA 98370 | AFLAC | $14 | $0 | $14 | 0.01% |
| KARLA M TROWBRIDGE3 Filed as: KARLA TROWBRIDGE | 1609 35TH AVE SE MINOT, ND 58701 | AFLAC | $14 | $0 | $14 | 0.01% |
| DAVID A LYSNE3 Filed as: DAVID LYSNE | 1426 24TH AVE S MOORHEAD, MN 56560 | AFLAC | $14 | $0 | $14 | 0.01% |
| CYNTHIA L SAMUELS3 Filed as: CYNTHIA SAMUELS | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $12 | $0 | $12 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $10 | $0 | $10 | 0.01% |
| MIDWEST AGENTS OF INS INC3 | 2669 CAVERN RD RAPID CITY, SD 57702 | AFLAC | $10 | $0 | $10 | 0.01% |
| DIXIE D SIMON3 Filed as: DIXIE SIMON | 509 N SHAMROCK RD SPOKANE VALLEY, WA 99037 | AFLAC | $9 | $0 | $9 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $7 | $0 | $7 | 0.01% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $5 | $0 | $5 | 0.00% |
| MERLE D BIEBER3 Filed as: MERLE BIEBER | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $5 | $0 | $5 | 0.00% |
| TIMOTHY L CASS3 Filed as: TIMOTHY CASS | P O BOX 1211 PIERRE, SD 57501 | AFLAC | $4 | $0 | $4 | 0.00% |
| SANDRA K GUENOT3 Filed as: SANDRA GUENOT | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $4 | $0 | $4 | 0.00% |
| JEREMY E GUTHMILLER3 Filed as: JEREMY GUTHMILLER | PO BOX 104 PETTIBONE, ND 58475 | AFLAC | $4 | $0 | $4 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE E. ST ST PAUL, MN 55106 | AFLAC | $3 | $0 | $3 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $2 | $0 | $2 | 0.00% |
| KRISTEN SUE PLAISANCE3 Filed as: KRISTEN PLAISANCE | 11315 E 12TH AVE SPOKANE VALLEY, WA 99206 | AFLAC | $2 | $0 | $2 | 0.00% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $1 | $0 | $1 | 0.00% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $580 | $5K | 12.15% |
| WESTERN BENEFITS GROUPS INC.3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $577 | $8K | 17.50% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 635 | $283K |
| Vision | AFLAC | 137 | $122K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 196 | $166K |
| Short-term disability | AFLAC | 137 | $122K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 142 | $166K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.